UNITED BANKSHARES INC/WV — Key Metrics
2 years of history · ending 2025-12-31 · SEC EDGAR
Forensics
Three classic accounting-quality scores. F-Score (0-9, higher = better fundamentals); M-Score (>-1.78 flags possible manipulation); Z-Score (>2.99 = safe, <1.81 = distressed). Use together — single-score readings are noisy.
F-Score (Piotroski 0-9)
Per Share Metrics
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
52-Week Range
Trailing Returns
Yields
EPS (Diluted)
$3
Book Value Per Share
$39
Free Cash Flow Per Share
$3
Cash Per Share
—
Revenue Per Share
$12
OCF Per Share
$4
Return on Equity
8.9%
Return on Assets
1.5%
Debt to Equity
0.10
Asset Turnover
0.05
SBC / Revenue
0.8%
Capex / Revenue
1.1%
Net Current Asset Value
$-28.16B
Invested Capital
$6.03B
OCF / Net Income
1.07
FCF / Net Income
1.04
Accruals Ratio (Sloan)
-0.1%
Net Debt
$730M
Net Debt / EBITDA
43.44
Cash Coverage
—
Dividend Coverage
2.39
Capex Coverage
28.16
Tangible Common Equity
$3.48B
TCE / Total Assets
10.3%
Goodwill / Total Assets
6.0%
Cash ROIC
8.3%
Capex / D&A
1.05
Total Payout Ratio
72.3%
Asset Growth vs Revenue Growth
-0.1%
Revenue 5Y CAGR
45.0%
EPS 5Y CAGR
10.0%
FCF 5Y CAGR
31.7%
EBITDA 5Y CAGR
4.5%
Book Value 5Y CAGR
5.0%
Stock Price (FY-end)
$38
Market Cap
$5.39B
P/E Ratio
11.61
P/S Ratio
3.20
P/B Ratio
0.98
P/TB Ratio
1.55
P/OCF Ratio
10.81
P/FCF Ratio
11.21
FCF Yield
8.9%
Dividend Yield
3.9%
Shareholder Yield
6.0%
Graham Number
$53
Shares Variation (YoY)
4.9%
Beta (5Y)
0.89
Cost of Equity
9.0%
Cost of Debt (after tax)
—
WACC
—
52W High
$40
52W Low
$30
Trailing Return 1M
2.9%
Trailing Return 6M
2.9%
Trailing Return 1Y
5.6%
Trailing Return 5Y
48.1%
F-Score (Piotroski)
6.00
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.